信贷和价格关系的实证研究——基于我国房地产市场

发布时间：2019-05-21 13:26

【摘要】：文章基于Granger因果检验和三元线性回归模型,对我国房地产信贷和房地产价格、土地交易价格的关系进行了研究,报告了我国当前房地产市场迅猛发展的现状,通过实证研究方法,选取1998-2015年我国房地产信贷、房地产销售价格、土地交易价格的数据,对我国房地产市场的信贷和价格关系展开了调查,研究结果显示不同时期内我国房地产信贷与价格之间呈现出不一样的因果关系。由此提出政策建议,对我国不同收入群体实行相应的房地产政策,同时要求银行提高房地产信贷的风险意识,加强信贷管理,加快中小户型商品房、经济适用房、廉租房的开发建设速度,规范房地产市场的秩序,以期实现稳定我国房价,为决策管理层和投资者提供理论依据的目标。
[Abstract]:Based on Granger causality test and ternary linear regression model, this paper studies the relationship between real estate credit, real estate price and land transaction price in China, and reports the present situation of the rapid development of real estate market in China. Through the empirical research method, this paper selects the data of real estate credit, real estate sales price and land transaction price in China from 1998 to 2015, and investigates the relationship between credit and price in China's real estate market. The results show that there is a different causality between real estate credit and price in different periods. Therefore, some policy suggestions are put forward to implement the corresponding real estate policies for different income groups in our country. At the same time, banks are required to improve the risk awareness of real estate credit, strengthen credit management, and speed up the small and medium-sized commercial housing, comfortable housing. The speed of development and construction of low-rent housing standardizes the order of real estate market in order to achieve the goal of stabilizing house prices in China and providing theoretical basis for decision-making management and investors.
【作者单位】：辽宁大学经济学院;
【分类号】：F299.23

【相似文献】